BlastPoint's Banking Scorecard

Beneficial State Bank

$1B-$10B Specialty: Commercial CA FDIC cert 58490

Designations: ✓ Community bank ✓ CDFI-certified

Oakland, CA

9 branches across CA · OR · WA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
Deposits +1.0% year over year ($1.7B on the books).
Delinquency rate 2.58%.
Return on assets 0.14%.
Efficiency ratio 76.07% vs a 59.73% peer average.
Loan-to-deposit ratio 89.27% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA

View $1B-$10B leaderboard (CA) →

Beneficial State Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.13% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 37.8% in tier
- Return on Assets 1.25% below tier average
- Delinquency Rate 1.71% above tier average
- Nonperforming Asset Ratio 1.26% above tier average
- Efficiency Ratio 16.35% above tier average

Get updates when Beneficial State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$2.0B +3.9% YoY +2.7% QoQ	-$766.2M	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	51%
Total Loans ?	$1.5B +15.7% YoY +2.6% QoQ	-$445.3M	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	54%
Total Deposits ?	$1.7B +1.0% YoY +2.7% QoQ	-$618.4M	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	51%
Return on Assets ?	0.14% -8.3% YoY +140.8% QoQ	-1.25%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Bottom 2.5% in tier
Net Interest Margin ?	4.00% +3.5% YoY +0.1% QoQ	+0.13%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	68%
Efficiency Ratio ?	76.07% -0.2% YoY +1.7% QoQ	+16.35%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Bottom 10.5% in tier
Delinquency Rate ?	2.58% +67.0% YoY -9.2% QoQ	+1.71%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Bottom 6.1% in tier
Loan-to-Deposit Ratio ?	89.27% +14.6% YoY -0.1% QoQ	+4.23%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	44%
Non-Interest-Bearing Deposit Share ?	24.38% -9.9% YoY -2.0% QoQ	+3.11%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	69%
Nonperforming Asset Ratio ?	1.93% +86.1% YoY -9.3% QoQ	+1.26%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Bottom 6.3% in tier
Tier 1 Capital Ratio ?	11.22% -5.2% YoY +0.2% QoQ	-3.62%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.14% +13.4% YoY +37.9% QoQ	-0.39%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	16%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	24.4% -2.7pp YoY -0.5pp QoQ	+3.0pp	21.4%	25.5%	22.2%	69%
Brokered Deposits	20.1% +3.7pp YoY +1.6pp QoQ	+10.6pp	9.5%	11.0%	8.5%	88%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	5.8% -0.6pp YoY -0.1pp QoQ	-8.2pp	14.0%	11.8%	12.5%	23%
CRE	60.2% +1.6pp YoY +0.7pp QoQ	+10.2pp	50.0%	67.5%	41.4%	76%
1-4 Family	2.3% -0.4pp YoY 0.0pp QoQ	-24.1pp	26.4%	16.5%	31.3%	3%
Consumer	32.9% -0.4pp YoY -0.7pp QoQ	+28.2pp	4.7%	5.3%	5.0%	97%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	23.7%	19.7%	n/a
Leverage Ratio	11.2% -0.6pp YoY 0.0pp QoQ	-0.1pp	11.3%	14.5%	12.6%	64%
Total Capital Ratio	n/a	n/a	16.7%	25.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	270 +10 (+3.8%) YoY +2 (+0.7%) QoQ	-44	313	337	482	59%
Assets per Employee ($)	$7.5M 0.0% YoY +1.9% QoQ	-$3.0M	$10.5M	$11.3M	$8.8M	31%
Branch Count	9 0 YoY 0 QoQ	-11	20	15	18	25%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.3%	0.4%	36%
Nonaccrual	2.6% +1.0pp YoY -0.3pp QoQ	+1.7pp	0.8%	1.4%	1.0%	95%
Allowance Coverage	0.69x -40.0% YoY 0.0% QoQ	-18.02x	18.71x	17.11x	20.23x	12%
Net Charge-off Rate (YTD)	0.7% -0.4pp YoY -0.2pp QoQ	+0.5pp	0.3%	0.3%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	1.5% -0.2pp YoY +5.2pp QoQ	-11.1pp	12.6%	8.2%	11.6%	3%
Cost of Funds (YTD)	1.5% 0.0pp YoY 0.0pp QoQ	-0.4pp	1.9%	1.9%	1.7%	24%
Net Income ($, YTD)	$1.4M -4.9% YoY — QoQ	-$17.8M	$19.2M	$28.5M	$40.4M	2%

Get Full Access to Beneficial State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#85 of 222 • Bottom 37.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.22%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

864

Return on Assets

profitability

Value: 0.14%

Peer Median: 1.39%

#864 of 885 Bottom 2.5% in $1B-$10B

829

Delinquency Rate

credit_quality

Value: 2.58%

Peer Median: 0.87%

#829 of 882 Bottom 6.1% in $1B-$10B

830

Nonperforming Asset Ratio

credit_quality

Value: 1.93%

Peer Median: 0.67%

#830 of 885 Bottom 6.3% in $1B-$10B

793

Efficiency Ratio

profitability

Value: 76.07%

Peer Median: 59.73%

#793 of 885 Bottom 10.5% in $1B-$10B

747

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.53%

#747 of 885 Bottom 15.7% in $1B-$10B

697

Tier 1 Capital Ratio

capital

Value: 11.22%

Peer Median: 14.84%

#697 of 885 Bottom 21.4% in $1B-$10B